Sometimes you need to access funds tied up in a property before it sells. Whether you’re managing an estate, covering ongoing costs, or simply need to release cash ahead of completion, our Short-term Secured Finance provides a straightforward way to unlock equity without the pressure of monthly repayments — giving you time and flexibility while the sale moves forward.

WHO ITS FOR

• Beneficiaries / Executors with a property that’s taking time to sell

• Owners needing to cover running costs or release funds ahead of sale

AT A GLANCE

• Loan size: £25,000 — £200,000

• Up to 50% LTV

• No monthly payments — interested retained up to 12 months or until sale

• Term: 3—12months

• Secured by first legal charge

• Use of funds: holding costs, arrears clearance, or to take cash in advance of sale

KEY BENEFITS

• Straightforward, flexible access to equity

• Keeps pressure off during the marketing period

• Works alongside estate agency and conveyancing timelines

We understand that many properties—particularly inherited or long-vacant homes—need light improvements before they can achieve their best value. Our short-term secured finance for Light Refurbishment provides the funds to complete essential upgrades such as redecoration, new kitchens or bathrooms, and minor compliance works. Designed for simplicity and flexibility, it helps you enhance a property’s condition and appeal without upfront costs or monthly repayments.

TYPICAL WORKS

• Redecoration

• kitchen/bathroom refurbishments

• minor repairs

• compliance items

AT A GLANCE

• Loan size: £25,000 — £100,000

• Up to 50% LTV (first legal charge)

• No monthly payments — interest retained up to 12 months

• Terms: 3–12 months

• Secured by a first legal charge

• Funds can be paired with Retirement Renovations fixed-price packages

KEY BENEFITS

• Fast decisions, simple requirements

• Human support with clear updates

• Designed for inherited/vacant homes and sensitive situations

If you’re an experienced landlord or limited company looking for a straightforward long-term facility, our BTL financing provides a clean exit after refurbishment — or an alternative to selling — with predictable, interest only payments and clear criteria.

WHO IT’S FOR

• Experienced BTL landlords seeking a simple refinance

• Limited companies/SPVs letting residential property (including retirement stock).

AT A GLANCE

• Loan size: £40,000 — £200,000

• Terms: 3-5 years

• Repayment: Interest-only, monthly by Direct Debit

• LTV: Up to 65% of current property value (subject to status and valuation)

• Security: first legal charge

• Use of funds: Refinance from short-term works finance; hold for rental income; or prepare for fair-value sale later

If you are interested in BTL but are new to it or are unsure if BTL financing is right for you — please call us and talk about your plans.

Sometimes the right home is ready — but your current one hasn’t sold yet.

When moving into a retirement or age-restricted flat, buyers can face delays because their existing home is still on the market. Larger properties can take time to sell, even when priced correctly, creating uncertainty and pushing back move-in dates.

Our Retirement Transition Finance provides short-term access to the equity tied up in a property that is being vacated and prepared for sale, allowing buyers to move forward with confidence while the sale completes.

Who it’s for

• Buyers purchasing a retirement or age-restricted flat

• Homeowners downsizing from a property they are selling and vacating

• Buyers who have agreed a purchase but have not yet sold their existing property

• Those who want certainty over timing while their previous property is marketed

At a glance

• Loan size: £25,000 – £350,000

• LTV: Up to 75% of the property value (as confirmed by us), including any existing mortgage where applicable

• Monthly repayments: None

• Interest: Retained for up to 12 months or until sale (subject to the maximum LTV)

• Term: 3–12 months

• Security: First or second legal charge on the property being sold

• Use of funds:

  • Contribution towards the purchase of a retirement flat

  • Light refurbishment to improve saleability

  • Holding costs during the marketing period

How it works

• The borrower is selling a property they are vacating or have vacated*

• The property is actively marketed for sale

• We release funds secured against the property being sold

• Funds can be used flexibly — including towards the purchase of a retirement flat

• The loan is repaid when the sale completes

*Please note: we are unable to help where the property provided as security for the loan is occupied by the owner or a member of their immediate family.